Teresa’s Success Story

Do you feel you have so much debt that you will never pay it off? Do you want to travel more without feeling guilty about going deeper into debt to do it? Teresa* had been in debt most of her life and decided she no longer wanted to live with it. Here is the story of...

Use Debt. Don’t Let Debt Abuse You.

Debt can help you fulfill your dreams and move you forward in achieving your financial goals. Debt can also turn into your worst nightmare if you aren’t careful. So how do you use debt, rather than letting debt abuse you? Step one is to get yourself out of credit card...

5 Reasons Why You Are Still in Debt

You have a balance on your credit cards and you have decided to pay them off in two years. That’s great! So you simply take your total balance and divide it by 24 to find out what you should pay each month… then, two years later, you’re out of debt, right?...

Planning Your Giving

By Daniel Rodriguez | Dr. Budgets For many of us giving, whether to charity or to our friends and family, is very important. Even though our heart is in the right place, it can be easy to get carried away (how did you do on Black Friday this year?). This is why...